SWIFT/BIC codes in United States: banks starting with M

SWIFT/BIC codes in United States

Our directory covers 3498 banks and financial institutions in United States and 5781 SWIFT/BIC codes between them. A SWIFT code shows the banks handling a transfer which institution is meant to get an international payment.

Look for the recipient’s bank below and click through for all codes we have. Further down we explain how a code from United States is put together, how to send money there without overpaying and how to check a code before you pay.

Incoming international payments in United States

A sender in another country will ask for a few details about your account. In practice that means: your full name as your bank knows it, your IBAN or account number, the SWIFT/BIC code of your bank and usually your address.

The code of your bank appears in our list. Certain sending banks also ask for your bank’s address; it does no harm to include it.

Expect that the amount credited is below the amount on the sender’s receipt. Fees for incoming transfers differ per bank. Make clear with the sender who pays which costs before the money is sent.

The cheapest way to send money to United States

When you transfer money to United States with your bank, the fee you see is rarely all of the cost. Besides the fee, correspondent banks can deduct a charge and, if currencies are converted, the bank usually applies a less favourable rate than the actual market rate.

The markup on the rate tends to be the biggest cost item. An easy check: put the rate you get next to the mid-market rate and work out the difference on your amount.

For a lot of currency pairs, a transfer service turns out to be cheaper than a bank – mostly thanks to the exchange rate. GoldexPay lists transfer services side by side, showing what actually arrives in United States before you commit.

When does money sent to United States arrive?

How quickly money arrives in United States is determined by several factors: the currency, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Payments made late in the day or on weekends and holidays often start a business day later.

When a payment takes longer than expected, the sender should contact their own bank for a trace; only the sending side can start an official trace. Save your transfer receipt until the money has arrived – you will need it if something goes wrong.

The largest SWIFT network in United States: Citadel Investment Group, L.l.c.

In our data, Citadel Investment Group, L.l.c. has the largest number of SWIFT/BIC codes of all banks in United States. The head office of Citadel Investment Group, L.l.c. has CITGUS44XXX; that is usually the right code for a transfer.

Practice differs in how many codes they register. Making a payment to Citadel Investment Group, L.l.c.? Go with CITGUS44XXX except when the recipient gives you a branch code.

Recognising a SWIFT code from United States

A SWIFT code is either 8 or 11 characters long and follows a fixed pattern. First comes four letters for the bank, followed by a two-letter country code and a two-character location code.

You can recognise a code from United States from the fifth and sixth characters. A code with a different country code belong to another country – a quick way to catch mistakes.

The optional last three characters stand for a branch or department; XXX is used for the head office. Use a branch code only if the recipient’s bank asks for it – otherwise stick with the head office.

SWIFT transfers to United States

United States is not part of the SEPA area, so European euro rules do not apply. International transfers to United States normally travel over the SWIFT network.

Depending on the country, accounts are identified by a domestic account number instead of an IBAN and sometimes a local routing or branch code. Ask the recipient exactly which details their bank requires for incoming international payments; banks often publish instructions for this. SWIFT payments sometimes go via one or more intermediary banks.

Sending USD to United States

Bank accounts in United States are usually held in USD, the local currency. A payment in a foreign currency is exchanged into USD, and whoever converts it chooses the rate.

Who does the conversion affects how much arrives, as rates and margins differ per bank. In many cases you pay less if you send USD directly via a transfer service that converts near the mid-market rate rather than letting the receiving bank convert. With bigger transfers, a seemingly small gap in the rate can be worth more than the fee.

How reliable is this list?

Ask the recipient to copy their bank details straight from their banking app. An incorrect BIC may lead to delays, a payment being sent back or additional charges – compare it with the code in our list.

Our SWIFT/BIC directory is based on publicly available sources and is updated regularly. Institutions reorganise, change names and retire codes, and no directory catches every change immediately. For any payment of any size, confirm the BIC with the recipient. GoldexPay is not a bank and is not affiliated with the banks listed.

Watch out for invoices with a new account. Before paying, confirm a change of bank details through a separate channel on a number you know.

SWIFT codes in United States: banks under :letter

You are looking at a filtered list: only banks in United States with a name starting with :letter. The figures for United States on this page apply to every bank we list, not just the ones under :letter.

If a bank is missing under :letter, check another letter: banks are often registered under their full legal name. Use the full list for United States if you are not sure how the name is spelled.